USDC

Calm-Professional103

One third of my portfolio is an approximate 1:1 mix of BTC and gold, one third is in VEQT and one third is in cash and yield-bearing USDC. 

Ok-Local5322

Check [Ether.Fi](https://www.ether.fi/@promo) \-- 15% cashback for food and groceries in May and June and 3% cashback for everything. Use code **promo** or **cashback** to get it. You spend USDC or EURC with 1% commission, but get back 3% cashback in ETH (weth) and can convert to usdc immediately. ApplePay/GooglePay No Mica/ DAC8 so no reports to tax offices.

Spark_by_Spark

The invisible plumbing framing is exactly right. The agent calling the service doesn't need to know or care whether it settled in USDC on Base or sats over Lightning. It just calls an endpoint, gets data, and its balance goes down by a fraction of a cent. The subscription model survives today because per-call payments have too much friction. When that friction goes to zero —> (no signup, no credit card, no API key) —> the economics flip. You only pay for what you use, at machine speed, with no human in the loop. The L402 standard has been around for a few years but adoption was slow because getting an agent to actually pay Lightning invoices required real infrastructure work. That's what we just shipped.

jwz9904

USDC to flip bnb

LimpSignificance5867

I’m posting this partly to seek advice and partly to make other Coinbase India users aware of a serious issue. A few weeks ago, Coinbase launched INR support in India. Since I was already using Binance and wanted to consolidate my holdings, I decided to move my crypto from Binance to Coinbase. Unfortunately, I made a mistake. I transferred BTC from Binance to Coinbase using the Ethereum network because the fees were lower. Binance converted the BTC into Binance Wrapped BTC (BBTC), which is an ERC-20 token on Ethereum. Coinbase does **not** support BBTC. That part is on me. I fully accept that I used the wrong network and sent an unsupported asset. However, this is where things get frustrating. **Coinbase can see the asset** Coinbase’s Asset Recovery tool is able to: 1. Locate the transaction 2. Identify the BBTC deposit 3. Display the recoverable amount 4. Calculate the recovery fee In other words, Coinbase knows exactly where the asset is and can identify it. **But Coinbase India users can’t send crypto** Because I linked a bank account to use INR services, Coinbase has permanently disabled “Send” functionality on my account due to their India policy. According to Coinbase support: 1. I can buy crypto 2. I can sell crypto 3. I can receive crypto 4. I can withdraw INR But I cannot send crypto to another wallet. **Why this creates a deadlock** The standard recovery process requires sending the recovered asset to Coinbase Wallet. Since my account cannot send crypto, the recovery process cannot be completed. So I am stuck in a situation where: 1. Coinbase can find the asset 2. Coinbase can identify the asset 3. Coinbase can calculate recovery fees 4. Coinbase acknowledges the recovery tool exists Yet I have not been given any path to actually regain access to my asset. **What I have asked Coinbase** I have repeatedly asked Coinbase for any of the following: 1. Manual recovery 2. Crediting equivalent BTC, cbBTC, or USDC to my Coinbase account 3. Alternative recovery methods 4. Escalation to the Asset Recovery team 5. Returning the asset to the originating source address So far, I have mostly received responses explaining why my account cannot send crypto, rather than explaining how I can recover an asset that their own systems have already identified. **My concern** I understand that sending unsupported assets is a user mistake. But if Coinbase can identify and locate the asset, there should be a reasonable recovery path. What worries me is that this issue could affect any Coinbase India user who accidentally sends an unsupported ERC-20 token to Coinbase. At that point, you may discover that: 1. Coinbase can see the asset 2. Coinbase knows it belongs to you But recovering it may become extremely difficult due to account restrictions **Looking for advice** Has anyone here successfully recovered an unsupported token from Coinbase under similar circumstances? Has anyone dealt with the Coinbase Asset Recovery team directly? If anyone from Coinbase is reading this, I would appreciate a clear path forward rather than repeated explanations about Send restrictions. I am not asking for special treatment. I am simply trying to regain access to an asset that Coinbase’s own recovery systems have already identified. Any advice or visibility would be greatly appreciated.

Relevant_Elderberry4

Lol. One I use the most aside from USDC. Different strokes for different folks I guess

Matilda_1994

Yes, I'm currently accumulating USDT and USDC more often. Do you have any other stablecoin recommendations?

bugtypepokemon

i doubt it - USDC is ingrained in crypto ecosystem as a whole pretty heavily while withstanding the SVB debacle w the depegging very little incentive to use new stablecoins outside of crazy yields

Django_McFly

There's an alternate reality where: * Cardano launches smart contracts when stuff like Solana, Polygon, BSC and Avalanche were just coming out too. * They either paid for USDC or had their own bog standard, normal, treasuries in an account, no algo BS stable coin. Token might be in the shitter still, but at least there'd be defi and activity. The price would be struggling but the actual chain and ecosystem would be ok.

ChipmunkSelect9046

He's the perfect crypto king! But get in the next big thing.. heard he's setting up a new Turth Social channel where you can get his recommendations on Polymarket bets if you just sent him $1000 of USDC right now!

Sensitive_Income6998

That’s the real habit loop, not the portfolio. Even with USDC + 3.5% you’re still checking for the dopamine, not the outcome. If it’s not changing your decisions, it’s just noise you’ve trained yourself to open.

CrazyAppel

You are right, here is non vague, provable version for USDC: * SVB depeg * Reliance on central banks * Never had any full reserve audits All 3 can be proven. Addition, this "vagueness" is a common bootlicker strategy to hide dirt, so yeah...

mel2000

> USDT is made of... fake audits That can be proven to be true. > USDC is made of bootlicker western surveillance dystopia That's a vague and unprovable assertion.

cryptomaniaclo

both are fine for trading day-to-day. USDT has deeper liquidity and more pairs, USDC is generally seen as more transparent on reserves. I default to USDC and only hold USDT when a pair requires it.

cessjesdy

USDT for active trading, the liquidity gap is real and most deep pairs are USDT-denominated. For holding and off-ramping to fiat though, USDC has been smoother in my experience, especially through [Stable.com](http://Stable.com) which covers a ton of markets directly.

CrazyAppel

lol USDT is made of insolvency, offshore casino lawyers and fake audits USDC is made of bootlicker western surveillance dystopia there is no right answer here...

CipherScarlatti

It's USDC.

klustura

It depends on where you trade. Coinbase's last 24h volume: - BTC-USDT: 14M - BTC-USDC: 1.4B

Fair-Average5139

For trading it’s USDT because it has much more liquidity than USDC, and the most liquid pairs are usually USDT/XXXX. But for holding I would say USDC because it’s arguably safer.

NFTbyND

Apologies for the bs comments on your post. Do this. Go to uniswap.org and swap your USDT to USDC. Then go to Thorswap.finance and swap your USDC to Bitcoin. It's kyc free. Unlimited amounts. True decentralized DeFi.

Grunblau

Family in Europe insisted that I use PayPal to send graduation money and pay the fees instead of sending BTC, USDC, EURD, or even GOLD. I told them to ask my nephew about their preference, but was stonewalled.

infernal_celery

Nah just usual bear market shit I suspect. I can tell you that industry loves USDC at the moment, especially finance, but industry =/= hype

ZyxzyxxyzxyZ

What??? My USDC is holding steady. Same with USDT.

AttentionNo8097

it’s funny you say that bc in the sol memecoin community, almost everyone is panicking and stabling to USDC. i’m excited to see which way it goes regardless 

Slayerofgrundles

In this case, it's because they were using stablecoins, which can be frozen by the issuer (USDC, USDT, etc).

AvailableTie6834

wasnt it USDT/USDC? Both USDT and USDC literally have a function to blacklist addresses that they want, this way, the addresses cannot send any usdc/usdt to anyone literally seizing the asset.

ShipMysterious7602

Check out Tangem Pay, not on your list. Only option where your funds can be kept in a cold wallet and only moved to the card as required in USDC and back to the wallet if needed. Card sits right there in your cold wallet. Seriously generous limits on the card like up to $10m in purchases a year, max balance of up to $50k, up to $100k loading per day and up to 24 loads a day etc....

ExtentOld2417

DCA daily as usual, and I’ll blow through my USDC that I’ve built up for these drops 

KenBgood

Trust wallet is TRASH! Traden everything that i can to USDC to transfer back to CB. I'm out ✌️

MachiavelliOsiris

I bought micron stock on a whim cause I’ve been hearing a lot about in podcasts. It’s up 50% since I bought it TWO weeks ago. I wish I put more in. ASML TSM GOOG QCOMM etc they’re all crushing the last couple months. I took some money out of my USDC balance I had and moved it over. Everything is up 15-50% in the last couple months. I wish I put in more.

polymath_uk

Well, a bitcoin is worth 75k USDC, so I know which I'd save and which I'd spend. 

Bobbybobinsonbob

I sold last year, and just got that money sitting in USDC getting 3.5% apy And I still check it everyday lol

SN617

Worth knowing how the rate is actually set. Morpho is a market, so the borrow rate floats with utilization: when most of the supplied USDC is borrowed, the rate climbs to attract more lenders; when utilization is low, it drops. Spikes to 15 or 20 percent can happen during high demand, but a sustained 50 to 100 percent would mean the pool is almost fully drained, which usually corrects fast as suppliers chase the yield. You can watch the utilization and rate curve live before you borrow.

dhizt1105

You raise a very good philosophical issue here; crypto is indeed not a tangible asset and it is also not an ordinary debt claim. However, most people do not care much about that philosophical distinction, as far as the network provides some tangible benefits when used in real life. My primary motivation behind using cryptocurrencies is their tremendous efficiency when making payments. The last time I bought something using cryptocurrency was yesterday evening, when I bought a $50 Xbox gift card through UPTOP by using USDC. Paying in cryptocurrencies is always free, since no credit card fees apply, and also the foreign currency spread is compensated for, so using crypto was more efficient than using fiat. There was one problem with that transaction; my code was stuck at first, but after an 8-minute call to customer support, everything went smoothly.

BTCintermfasting

Yes, for real it’s called recursive looping. It’s easy and safe, but most people get liquidated because they get greedy. They think the price is gonna go up forever and they use max recourse of looping. What you have to do is do a safe amount so if bitcoin goes up $100 you only take 20 of that hundred and then you max recursive loop that 20 so the 20 ends up being around $38 worth by bitcoin with that rinse and repeat every time bitcoin price goes up $100 And then you keep your borrow limit low once you stop at the safe risk metric price. So for someone new doing this a safe LTV borrow would be about 20%. I’ve been doing this for multiple cycles so I have a whole bunch of different methods like my salary would go straight to USDC and I wouldn’t use that and that would build every month which would generate yield every month that compounds so you can imagine what that ends up being month after the month year after year Then there’s the credit card cycle thing where you use your credit card for your bills so you can use your cash to put into USDC and then if you want, you can borrow against your USDC to pay off your credit cards by the statement date so it looks like you’re using your credit cards and you’re paying Which builds your credit quickly and gives you more access to cash and you can borrow a whole lot more because your credit score goes up and you buy more bitcoin and etc. etc. I have so many methods that I’ve thought of throughout each bar market while also studying what wealthy institutions do that as long as I have access to a phone to invest or a computer to invest, and I can do something like DoorDash to generate money I can start from zero and become rich Anyone can this isn’t something that just someone with a lot of money can do. It just would be slower if you have less money and faster if you have money, but the key is patience the patience of not trying to buy bitcoin in the midterm year before Q4 when it usually Until the cycle changes, I stick to that every single cycle

SN617

Morpho rates are set algorithmically by utilization, how much of the supplied USDC is currently borrowed. High utilization pushes rates up to attract suppliers, so a 15% spike is realistic in high demand, but those rates also pull in fresh supply that drags them back down. A sustained 50% to 100% would mean the pool is maxed out for a long stretch, which is rare outside a real liquidity crunch. Honestly the rate is less dangerous than your LTV. A price drop liquidates you, a rate bump just costs interest.

TheresNoSecondBest

>I'm not talking about keeping USDC/USDT. Me neither, mate. I'm talking about swapping your bitcoin for a fully premined and centralized shitcoin, called "wrapped" bitcoin.

greenglobones

USDC for sure has an audit. They publish it every month. USDT, the most popular… has never had an audit.

Cryptocom4life

**True Decentralization:** Unlike major stablecoins like USDT or USDC, which are managed by centralized corporations with the power to freeze accounts, DigiDollar requires no CEO or company. Y’all should really do a deep dive into the digibyte blockchain and come back to this post and thank me later https://digibyte.io/digidollar

canman44999

Posting this for the newer accounts in the XLM threads asking whether to hold or add after the DTCC headline. I traded the exact same setup last year and there are a few things worth knowing. First, the integration does not go live until the first half of 2027. That is a 12 to 18 month forward trade, and forward trades on tokens rarely sustain once headline traders rotate out. Second, the deal does not flow to the token. Tokenized assets on Stellar are issued by DTCC and settle in USDC, while the per-transaction fee paid in XLM rounds to zero in dollar terms. The protocol gets used, the token does not benefit. Third, funding rates went negative within hours of the rally and stayed there. Longs are paying shorts even at the top of the move, which is the signature of a short squeeze rather than institutional buying. Last summer ran this same play on Protocol 23. The token doubled in four weeks, then bled 70 percent over ten months. None of the catalysts shipping into that bleed managed to lift the price.

DAOTimes

Heads-up for anyone who bought XLM during the past week and is wondering whether to add. The DTCC integration does not go live until the first half of 2027. That is a year of forward expectations stacked into the current price, on a token where fees paid in XLM are functionally zero and where settlement runs through USDC. The deal does not require the token to capture value from it. The pump came from short liquidations and retail flow, not professional buying. Funding flipped negative within hours of the headline and has stayed there, with volume decaying every session since the peak. July 2025 ran the same playbook on Protocol 23 and PYUSD. The token bled over 70 percent across the following ten months. Take the gift if you have one. Hard to chase from here.

Prior_Parsley3960

**What happened** * Cosmos/Ethereum bridge **Gravity Bridge** was exploited for approximately **$5.4 million**. * Initial reports suggest a **bridge signing key compromise**, allowing unauthorized withdrawals. * Validators have **halted the bridge** while the incident is investigated. **Assets stolen** * \~$4.3M USDC * \~274 WETH (\~$553K) * \~$434K USDT * \~14 PAXG (\~$64K) **Current status** * Some funds have reportedly already been moved through **ChangeNow** and **Binance**. * The attacker wallet was still holding roughly **2,100 ETH (\~$4.2M)** when security researchers published their findings. * Bridge operations are paused. **Why this matters** * Gravity Bridge is one of the more decentralized Cosmos↔Ethereum bridges, relying on validator consensus rather than a small multisig. * If the signing-key-compromise theory is correct, the incident highlights that even decentralized bridge architectures can still have critical key-management risks. **Broader market implications** * Another major bridge exploit adds to growing institutional concerns about DeFi infrastructure. * Bridge hacks remain one of crypto's most persistent security problems because bridges often become concentrated pools of assets. * This is reportedly the **8th major bridge exploit of 2026**, with cumulative bridge losses now exceeding **$300 million** this year.

Ill-Introduction9513

For just receiving payments, Phantom (if USDC/Solana) or MetaMask (EVM chains) are the standards. they are widely supported and easy to share an address. Make sure you know which chain your employer is paying on before picking one.

ShipMysterious7602

Check out Tangem pay. Their wallet has a virtual debit card linked to the wallet. Not sure whether it's available in Mauritius yet. Best way to find out is to just apply for Tangem pay after you installed their wallet. The list of countries or regions on their website says Africa but also that not all countries may be supported. Their wallet is a hot wallet but you can also order the wallet cards if you want which will then turn your wallet into a cold wallet. Tangem Pay is an add-on for the wallet. Sits right in the wallet so quick and easy to move funds to the card as and when needed. Still in beta though so you can only fund the cars with USDC (Polygon) at this stage but more chains apparently on it's way.

CODE_HEIST

For USDT or USDC, the main thing is making sure the wallet supports the chain you actually use. The token is not enough. USDT on Ethereum, Tron, Solana, Arbitrum, etc. are different networks. Sending to the wrong chain is where people get into trouble. Ledger and Trezor are common cold-wallet options, but I would decide based on chain support, recovery process, and how comfortable you are doing a small test transfer first. Always test with a tiny amount before moving the real balance.

Sorry_Cheetah_2230

What does it look like from a merchant side though, is it worth it to offer it for such a small percentage of people to pay with it? If all we are going to be able to use is UDST/USDC then there’s no real difference between it and a regular debit card.

Fuzzy-Combination808

As a fellow 2021 holder, do NOT sleep on the tax implications of spending BTC directly. Every coffee you buy is technically a capital gains tax event. If you want the absolute easiest way without moving funds back to a CEX, look into **Self-Custody cards (like MetaMask Card / Gnosis Pay)** or **Crypto-backed credit cards (like Nexo)** where you borrow against your BTC instead of selling it. Just keep in mind that pure BTC mainnet spending isn't a thing due to gas/speed, so you’ll likely need to hold some stables (USDC) or wrapped assets on an L2/EVM chain to link with those cards. It’s still 10x better than the old 'convert-and-wait-3-days-for-withdrawal' nightmare.

TeslaOwn

Stablecoin support is probably the biggest thing for everyday use. I wouldn’t want to spend BTC casually because of volatility and tax tracking. USDT or USDC spending makes way more sense for normal purchases.

BTCintermfasting

No, you don’t, it’s called buy, borrow, die. You never pay it back you borrow a certain amount and then you do curse of looping. I started doing this a few cycles ago and that led me to early retirement. Literally anyone can do it. I even convince a McDonald’s worker to do it. Who only had $400 extra per month back in 2020 she now has 240 K worth of BTC and she balls about 3000 a month which is lower than 25% LTV every month. She doesn’t bother during midterm years because I told her that that’s when you don’t borrow and she just transfers it to USDC so she can live off the yield.

Serenaded

Lol, no. You withdraw the USDC into Polygon or ETH, then you use a tumbler to turn into Monero and you've disappeared. And vice versa. It's actually very easily UNtrackable.

Salamandrine88

Drift and rsETH were the actual stress test and CeFi held up because their risk isn't recursive the way DeFi composability is. When one protocol blows up contagion runs through everything that accepted it as collateral. Pulled my borrowing off Aave after rsETH, moved to Bybit Loans for USDC against BTC. Fixed rate, no contagion path. Trade-off is custody but fine for borrowed positions Tether contracting for the first time since 2018 is the data point that actually matters. Real deleveraging at institutional level

gCAN9

I've been using etherfi for a long time now and really happy with them. 3% instant on-chain cashback in USDC and ETH. And around 5% yield on funds (historically 10% but it has gone down as yields generally decreased in the market - still great getting yield + cashback on money you'd spend anyway) I posted a review on X earlier today [https://x.com/gCAN9k/status/2059581190827368841](https://x.com/gCAN9k/status/2059581190827368841)

stormaxis26

i went through a similar exchange journey and honestly the fee frustration with Coinbase is real especially on a smaller account where every dollar counts worth giving Nexo another look if you left a while back as the platform has evolved a lot and the earn rates on USDC are competitive without needing a subscription fee on top. buying and swapping fees are also way more reasonable than Coinbase's spread which adds up fast when you're making regular moves on a smaller balance the combination of earning yield on your holdings while you wait for target prices AND lower fees on trades makes it genuinely useful for exactly what you're describing. might be worth checking what's changed since you last used it before committing to Coinbase One

JordonHudsonsSideBro

>torch billions of his ADA Its crazy Cardano has all these wild side quests where mountains of money get burnt (the Cardano conferences are also a large spend), yet their community was in civil war over forking over $10M to Circle to get native USDC issued on chain back in the day.

alexlovesbitcoin

Yes i’m currently doing that. I’m running on a 30 percent LTV & just making monthly payments. I tried to do the traditional loan from a bank, but Inwas getting denied for what I was asking for & or they were charging so much interest. Currently running this morpho loan through coinbase and the whole process has been super smooth + the loan in USDC showed up in about a minute. Any questions you can ask me here directly in the reply

ANIAT444

I used USDC to top up on last downturn. LTV response was instant - 80% > 50% in seconds.

AutoModerator

Post is by: Impressive_Zucchini8 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1todsy9/i_built_an_ai_copilot_for_crypto_research_because/ Hey everyone. I've been in crypto for years — farming yields, sniping breakouts, running deep on-chain due diligence. And I kept running into the same problem over and over. Every time I wanted to research a token, I'd open: - Dune for on-chain data - Arkham for wallet tracking - DexScreener for price charts - Twitter for sentiment - Etherscan for contract audits - Maybe a few more tools depending on what I was looking for By the time I stitched everything together, the opportunity was gone. The whale had already moved. The pump had already started. I was always playing catch-up. I asked myself: what if I could just ask? What if I could type "whale alert for ETH addresses holding >$1M USDC" and get real-time alerts? What if I could say "analyze this token for honeypot risk" and get a full security audit in seconds? What if I could deploy an agent that watches the market while I sleep? So I built heyRISA. It's not a chatbot. It's an AI co-pilot for crypto intelligence. **What it does:** - **Conversational research** — Ask questions in plain English. "Show me the top 10 wallets holding this token" or "What's the liquidity breakdown across DEXs?" The AI pulls real-time on-chain data and gives you a clear answer. - **Agentic monitoring** — Deploy agents that watch specific wallets, track whale movements, and alert you when something matters. Set it and forget it. - **200+ chains** — Not just Ethereum. We index across Solana, Base, Polygon, Avalanche, and emerging ecosystems where early alpha lives. - **Security audits** — Detect honeypots, analyze contract code, and flag risky wallets before you ape in. **How it works:** 1. Go to heyrisa dot com 2. Start chatting — no account needed for the first 5 messages 3. Ask anything. The AI will pull on-chain data, run analysis, and give you actionable insights. **Free tier:** We're giving everyone 5 free chats daily. No credit card, no BS. Just try it. **Airdrop:** We're also running a $RISA airdrop. Complete quests (follow us on X, join Telegram, chat with the AI, invite friends) to earn RISA Points. Top holders get whitelist priority, higher caps at TGE, and 24h early access. **Why I'm sharing this:** I know there are a lot of AI tools in crypto right now. Most of them are wrappers or hype. This is different. We built the tool we wished existed when we were actually trading. We use it every day. It's saved us hours of research and helped us catch alpha we would have missed. If you're tired of the tab-switching grind, give it a shot. It's free. If you hate it, no harm done. If you love it, you'll never go back to the old way. **Feedback welcome.** This is v1. We're shipping fast and iterating daily. If you try it and have thoughts — good or bad — drop a comment. I'm reading everything. Built for degen traders who value their time. 🚀 --- **TL;DR:** Built an AI co-pilot for crypto research. Ask questions in plain English, get real-time on-chain analysis. 5 free chats daily. $RISA airdrop live. Search for heyrisa. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

AutoModerator

Post is by: Impressive_Zucchini8 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1todqko/i_built_an_ai_copilot_for_crypto_research_because/ Hey everyone. I've been in crypto for years — farming yields, sniping breakouts, running deep on-chain due diligence. And I kept running into the same problem over and over. Every time I wanted to research a token, I'd open: \- Dune for on-chain data \- Arkham for wallet tracking \- DexScreener for price charts \- Twitter for sentiment \- Etherscan for contract audits \- Maybe a few more tools depending on what I was looking for By the time I stitched everything together, the opportunity was gone. The whale had already moved. The pump had already started. I was always playing catch-up. I asked myself: what if I could just ask? What if I could type "whale alert for ETH addresses holding >$1M USDC" and get real-time alerts? What if I could say "analyze this token for honeypot risk" and get a full security audit in seconds? What if I could deploy an agent that watches the market while I sleep? So I built heyRISA. It's not a chatbot. It's an AI co-pilot for crypto intelligence. \*\*What it does:\*\* \- \*\*Conversational research\*\* — Ask questions in plain English. "Show me the top 10 wallets holding this token" or "What's the liquidity breakdown across DEXs?" The AI pulls real-time on-chain data and gives you a clear answer. \- \*\*Agentic monitoring\*\* — Deploy agents that watch specific wallets, track whale movements, and alert you when something matters. Set it and forget it. \- \*\*200+ chains\*\* — Not just Ethereum. We index across Solana, Base, Polygon, Avalanche, and emerging ecosystems where early alpha lives. \- \*\*Security audits\*\* — Detect honeypots, analyze contract code, and flag risky wallets before you ape in. \*\*How it works:\*\* 1. Go to \[heyrisa.com\](https://heyrisa.com) 2. Start chatting — no account needed for the first 5 messages 3. Ask anything. The AI will pull on-chain data, run analysis, and give you actionable insights. \*\*Free tier:\*\* We're giving everyone 5 free chats daily. No credit card, no BS. Just try it. \*\*Airdrop:\*\* We're also running a $RISA airdrop. Complete quests (follow us on X, join Telegram, chat with the AI, invite friends) to earn RISA Points. Top holders get whitelist priority, higher caps at TGE, and 24h early access. \*\*Why I'm sharing this:\*\* I know there are a lot of AI tools in crypto right now. Most of them are wrappers or hype. This is different. We built the tool we wished existed when we were actually trading. We use it every day. It's saved us hours of research and helped us catch alpha we would have missed. If you're tired of the tab-switching grind, give it a shot. It's free. If you hate it, no harm done. If you love it, you'll never go back to the old way. \*\*Links:\*\* \- 🌐 \[heyrisa.com\](https://heyrisa.com) \- ⚡ \[app.heyrisa.com\](https://app.heyrisa.com) \- 📚 \[docs.heyrisa.com\](https://docs.heyrisa.com) \- 🎯 \[Earn $RISA\](https://app.heyrisa.com/earn) \- 🐦 \[X: u/heyrisacom\](https://x.com/heyrisacom) \- 📱 \[Telegram\](https://t.me/heyrisacom) \*\*Feedback welcome.\*\* This is v1. We're shipping fast and iterating daily. If you try it and have thoughts — good or bad — drop a comment. I'm reading everything. Built for degen traders who value their time. 🚀 \--- \*\*TL;DR:\*\* Built an AI co-pilot for crypto research. Ask questions in plain English, get real-time on-chain analysis. 5 free chats daily. $RISA airdrop live. \[heyrisa.com\](https://heyrisa.com) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Dedsnotdead

There’s an enormous amount of inconsistency with Banks. I had to sell significantly more than that, think a multiple of 10, in order to pay HMRC (UK tax) The sale, conversion to USDC and then GBP and finally off-ramp to my bank was straight forward. Aside from several test transactions and my general caution (ok, paranoia) about address poisoning everything went well. The money cleared in my U.K. bank account and I then immediately transferred what I owed for capital gains to the tax man. It was a pain free process. That was at the end of January, in April I took profit and carried out the same process. The funds were frozen and I spent three days going back and forth before the funds were cleared. Ironically one of my key arguments was to point out that they had no problem clearing funds and allowing my transfer to pay Capital gains tax to HMRC. It’s difficult for banks to adhere to compliance that is quietly anti-crypto. But even so, “computer says no” is still very much the case for me.

Realistic_Fee_00001

>So, I've been wondering if it's a good idea to sell art using cryptocurrencies Yes. >like USDT or USDC, No. If you really want to use sound p2p cash you have to look into Bitcoin Cash and Monero. They are easy to use. Do not use the centralized, inflating unsound USTD and UDSC chains.

MediumLibrarian7100

Ily bro but stables and tokenised equities growing doesn’t refute anything that’s exactly the point. They’re institutional infrastructure money flowing through USDT/USDC treasuries and Ondo/BlackRock products. That all stays concentrated in majors and compliant yield layers. It expands the captured liquidity pipes without breaking out into the old retail driven cascade down the cap table 🤷‍♂️ That’s why we get elevated BTC dominance and no real alt season anymore…

mrjune2040

I don’t get what you mean by ‘you’re not sure where to do it’. If a collector wants your work and actually wants to pay you in crypto, invoice them with your Eth address as payment method and have them pay you in USDC etc. It’s not rocket science.

BiscuitInFlight

The 'any other crypto' statement is inherently false. Bitcoin, Solana, ethereum, USDC, XRP (to name a few) have real-world uses, not only in blockchain solving, but also in lowering transaction costs for banks, security, and tethering. Shib is a meme. A husk full of dead promises. The kid that peaked in high school.

btc_set_me_free

Why is the APY on aave 1.28-313% for USDC on version 4, but 3.67 on version 3? Where's the incentive?

LateNeverr1

same thing happened gradually and i only noticed when i went back after maybe 8 months off. bybit's unified balance thing actually broke my brain a bit USDC sitting there earning 4-5% flexible, same balance collateral for perps if i wanted. like when did that become one product the "ecosystem" framing is real btw. it's less "exchange with extras" and more the extras are quietly becoming the main thing burnout from futures is so specific too. it's not tired-tired, it's like the reward circuitry just stops firing

Cultural-Candy3219

Your read of the risk is reasonable. USDC yield can be useful, but I would not treat it as a high yield savings account with different branding. You are taking issuer risk, platform risk, redemption policy risk, and sometimes partner or lending risk depending on how that yield is produced. The Coinbase wording is basically the important distinction: they can give retail users a convenient on/off-ramp, but Circle is the issuer and direct redemption access is not the same as having a Circle Mint account. In normal markets that may not matter much. For money you mentally classify as savings, it matters because your exit path is still exchange liquidity plus banking rails if you cannot redeem directly with the issuer. A practical compromise is to size it like fintech/counterparty exposure, not like insured cash. Keep emergency money in boring bank products even if the rate is lower, use USDC yield only for the slice where a temporary freeze or withdrawal delay would not break your plan, and test both directions occasionally: bank to exchange to USDC, then USDC back to dollars and back to your bank. Also check whether the quoted yield is coming from Coinbase incentives, lending, or some third-party arrangement, because the same USDC balance can sit on very different risk stacks.

AutoModerator

Post is by: 0xfima and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1tmecei/163m_sent_to_alreadyblacklisted_usdtusdc_wallets/ We analyzed every USDT and USDC blacklist event on TRON and Ethereum in 2026 and found that **$163M was sent to wallets that were already frozen** by Tether or Circle. That money is permanently lost. Key findings:   \- 847 transactions hit known blacklisted addresses after the ban was executed   \- TRON accounts for \~80% of lost funds   \- Most losses happen within 48 hours after a ban — before word gets around   \- OTC desks and P2P traders are hit hardest The data comes from on-chain monitoring of AddedBlackList/DestroyedBlackFunds events on both networks. Happy to answer questions about methodology. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Obtusk22

half the time the causation ran the other way anyway, BTC pumped first and retail printed USDT to chase. inflow showed up after. real change is liquidity destination. new stables now park in T-bill products or sit as ETF settlement collateral that never touches the book. its not that outflows absorb inflows, the inflow isnt the same money anymore. watched the Bybit USDC depth in mid-April, bid stacks were yield-parked, gone the second funding dipped.

Cultural-Candy3219

For a small account I’d separate two decisions: where you buy, and where you actually want to keep funds. The cheapest exchange is not automatically the place I’d leave a meaningful balance for months. If Coinbase is the one you already trust, use Advanced with limit orders before paying for Coinbase One. The simple buy flow is where the spread usually hurts. Coinbase One only really makes sense if your actual monthly fees saved are more than the subscription, not because the USDC yield happens to offset it on paper. That yield is still exchange/platform exposure, not a bank account. Before moving size to any new venue, do a boring test: deposit a small amount, buy, withdraw to your own wallet, then withdraw cash back to your bank if that is part of your plan. If support, emails, or withdrawals are flaky at $50, they will feel much worse when the market is moving and you care about timing. So my default would be: keep the trusted venue for fiat rails, use limit orders to reduce fee/spread pain, test any alternative with tiny amounts first, and do not let yield or lower fees talk you into keeping more funds on an exchange than you need.

Cultural-Candy3219

I don’t think the functionality dream is completely dead, but the bar is way higher than it was in the 2021 “put a coin on every idea” era. A lot of useful crypto things exist now: stablecoin payments, DEXs, lending markets, perps, bridges, wallets that regular people can actually use, tokenized assets, cheap settlement on faster chains. The problem is that “the product is useful” and “this token should capture value” are not the same thing. Plenty of apps can be useful while the token is just governance theater, emissions for liquidity, or a way to fund the team. Holders learned that the hard way. For me the question is: does the token have a job that cannot be replaced by ETH, SOL, USDC, or app fees? If the answer is only “community” or “future ecosystem,” I’d be skeptical. If it pays for scarce resources, secures the network, has real fee demand, or controls something users actually need, then at least there is a case. So yeah, the random-alt era is probably cooked. The useful-infrastructure era is not. It just does not automatically make every related coin a good investment.

jekpopulous2

Looks like a major vault rebalancing at the end of each daily epoch… likely using a flash loan to borrow USDC, swap it for more collateral, and put the USDC back. When utilization spikes the borrow APY and supply APY both shoot way up. Arbitrage bots see the supply yield shoot up and rush in for the profits so the utilization rate drops back to it’s baseline in a few minutes. Not sure what contract this is but my breast guess would be Instadapp or Ethena.

jimi22

Seconding kirakirazeno's point about sports/gaming being massively underserved — that's where things get interesting. Most of the alpha right now is in niche verticals that Polymarket won't touch. A few worth looking at depending on what you're after: **Manifold** is still the best for weird/experimental stuff, community-created markets on anything. **Azuro** is doing sports at the protocol layer, more infrastructure than product. **Overtime Markets** built on top of it with a cleaner UX. **Limitless** is interesting if you want the AI-counterparty mechanic you mentioned from Prophet but more structured. The one I've been watching lately is **Hotaku** — it's specifically focused on esports (CS2, LoL, VALORANT, Dota 2,AOE2,..), non-custodial on Solana with USDC, no KYC, and instant settlement. Still early but the fact that it's targeting esports specifically rather than trying to be everything means the market quality is actually decent. They have a public API too which is a nice signal that it's built to be composable, not just a frontend. The OP's point about knowing social context being the edge resonates hard in esports — roster moves, patch notes, team meta. That's information most PM traders don't have but esports communities do.

ManufacturerDry8071

Do you also hold a large amount of USDC and participate in DeFi projects?

Far-Photograph-2342

Honestly stablecoins are what make crypto cards feel actually usable day to day 😅 Spending volatile assets always feels weird psychologically, but spending USDC/USDT starts feeling a lot closer to normal banking, just faster and more global.

Hannahshear

USDT/USDC on a major L2

ShipMysterious7602

Recently started using Tangem Pay. Love how they integrated the card account into the wallet. This means you can have all your funds in a cold wallet and only push over what you need to the card as and when you need it. Also, the funds you push to the card is in USDC so you never touch fiat until you use the card. You spend USDC and the merchant gets his fiat. Card limits are also very generous at this stage with a load capacity of $50k max but a loading of $100k per day and up to 24 loads a day. Annual spend limit is set at $10m which is way more than any other card I have looked at or used. It's still in beta though. Currently you can only fund the card in USDY Polygon which is a bit of a headache. Yes it's cheap but I feel USDC Tron (TRC-20) would have been a better choice as it's already so widely integrated with brokers and the like. Tangem has however said they will look at including more payment methods in future so let's see where this goes. Also, at present only virtual cards are available. From what I've read, physical cards are on their way and already being tested in Europe. ATM limits are on the low side but for me personally, this is not an issue. I want a card where I will not run into limits while spending and a virtual card is just fine as it works with Google Wallet/Apple pay. Forgot, no fees on the card account and the exchange rate they use if you spend in anything other than USD is Visa's rate + 1% which is not bad at all. So no major markup of the rate. I think Tangem has done a great job with the card account integrated right into your cold wallet on the app.

MiaTaude589

I use a stablecoin card for travel when I don't want to deal with forex fees. the taxable event thing is real but if you're spending USDC at close to its peg the gains are basically zero, non-issue in practice. the main value is speed when moving across countries, not the rewards

CaffeineComaMode

$100k unsecured credit shifts the math. If you can float six figures interest-free for 30 days every cycle, the borrow-against-crypto pitch is weaker for someone in your position. But the point here is that not everybody has the same options as you (myself included). For some people a loan at single-digit APR against their own assets is the better borrowing option that doesn't involve selling. The "interest-free" part of a credit card also vanishes the moment you carry balance. Then it's 20%+ APR. Crypto-backed loans stay flat. As for stable - you're right, they functionally are just e-dollars. But what you're missing is yield. I hold EURx (digital euros) for monthly spending and it earns \~6%. My USDC savings earn \~9.5%. That's the part you can't replicate with USD in a checking account. Spending balance isn't dead capital between purchases, and the savings side outperforms any bank rate by a wide margin. That's what's actually being achieved.

michaelcyckle

+1 for Ethfi. Bank deposits into USDC, 3% on all purchases in WETH, low fees to trade back into USDC. They also often run promotions with increased cashback. Can share a referral link if anyone wants to try.

WiseSmartTree

You cannot look at things in isolation. First off, XRP and BTC are tracking with each other. As BTC drops, so does XRP and vice versa. XRP has NOT been at the same price for 8 years … Go look at the charts. Secondly, both BTC and XRP have a crossing of 200 and 50 day averages. Expect a drop in both prices and take it as a sign to buy when the price drops. Thirdly, these are both good coins to hold onto long term. So buy what you can when the price drops. When the price spikes, sell 25% to 50% of it, and wait for the next drop. Lastly, this is not financial advice, but a bit of education about the market movement. My state of mind is actually very positive. And I am expecting to buy both coins in the near future. Another thing you can do, is put up both coins in liquidity pools against USDC for instance and make money on a portion of your holdings every day. You just have to understand that it never was buy and hold forever because it is going to the moon.

Traditional-Ebb-8380

Nothing you can do but report it to the fbi and move on. The exact same thing happened to me in July of 2025. Hackers from Yemen. $66k in USDC just gone.

Toshoshi0x0

That’s a fucking scam big dawg. No reason they can’t pay you in USDC. It’s so easy to swap that shit even for a noob.

Kaavyatheexplorer

Yes its in USDC, and

xomox2012

This absolutely sounds like scam. If they owe you a debt, force them to pay you in fiat or tell them you will accept USDC via coinbase only. Don't use any coinbase link from anyone else. Go to the site on your own directly.

Xennenial

What do you mean stablecoin issuers are not trusted? Look at USDC. It is issued by Bank of New York Mellon. They back their stablecoins 1 to 1 with US treasury bonds and they are independently audited every year to prove it. Traditional banks do not have reserves anywhere close to 1 to 1. Many traditional banks only have 3% reserves.

Xennenial

I don't understand why they are threatened by stablecoins though. They could easily incorporate stablecoins into their own operations or even mint and issue their own stablecoins. The overwhelming majority of stablecoins are Tether and USDC which are issued by actual banks.

CommanderStrident

At [Surge.Credit](http://Surge.Credit), we put Bitcoin collateral into a taproot vault in the borrowers wallet and use that for collateral on the USDC that is drawn. About as close as your can get I think.

Ogun21

USDC and then BTC. Nothing else matters

Medical_Link_691

USDC

Few_Mention8426

when you say you traced transactions through multiple swaps... unless this was certain coins..., there is no way of proving the USDC or whatever token it was is the same token that ends up at the exchange, especially if its through multiple transactions.

cryptolipto

Nope. They’re using USDC over the x402 network

Atmacrush

Yeah... this is why I don't try to earn yields on defi. I have a small amount of USDC lent on Coinbase, but other than BTC is the way.

MrCullingsworth

And it’s obvious when the top 3 American investment conglomerates literally can’t get their greedy (scared) hands on enough of this stuff. Also, say bye bye to fiat and the global swift rails system and say hello to USDC and tokenized everything. Your social security, your birth certificate, your passport, your wallet, your life. Even when we finally get it, there’s more we understand, the more questions we will have.

VeryGrumpySchnauzer

Exponentially more utility? Interesting… what else other than functioning as a currency (USDC, USDT and Ethereum can do that too)? Bitcoin payment p2p takes at least 10min… EVM bring that down to seconds. Not to mention the fees. Ethereum’s smart contracts give much more room for utility development in crypto than Bitcoin. A real new digital decentralised financial system can be developed. Bitcoin will always be the OG. But I wouldn’t say they “dont seem to serve any function”.

brb_im_lagging

You definately did a cross chain swap Cross chain swaps are always extremely bad value Ideally you want to swap on the same chain, then bridge. If there is no matching bridge then you might have to swap to a common token (eth, USDC) then bridge that Nearly always there will be a free bridge option, eg withdrawing to binance then withdrawing to the destination chain, or using their official eth bridge of there is one At no point should your fee ever be more than 0.3%

crimzyn1

You can’t actually “trade on a CEX while keeping funds on your hardware wallet,” because trading on a CEX inherently requires the funds to be in the exchange’s custody during the trade. I don’t know if any way around that, but maybe some support integration that I don’t know about. However, it is 100% feasible to send funds to/from a hardware wallet and a CEX. All exchanges I’ve used let you send funds you’ve acquired to a wallet hash. Many do have a hold if you just deposited. P.S. I like RobinHood for my on-ramp since there is no hold for smaller dollar amounts. I can buy my USDC and immediately send to my wallet with no hold. Also no ACH fee. Once on wallet, I use DEX primarily as the fees are almost always smaller (in my experience) than CEX. Watch for slippage obviously.

Atmacrush

I'm lending my USDC and that's still available even if the Clarity passes.

Routine-Weird4284

That's a really valid concern. Even I didn't think of it like that. We make our profit in USDT/USDC, but you can't directly spend it.

Savings-Leading4618

I knew it, they just don't want us to become rich by holding stablecoins. To hell with my 25x long on USDC.

No-Seat-3992

I went down this rabbit hole last year and it got messy fast. We tried letting one investor wire USDC and just priced the round in USD; the docs (YC SAFE) still referenced dollars, and counsel added a short rider saying token value at time of receipt is the legal amount. The headaches were KYC/AML and tax: our lawyer made us treat it like in-kind payment, record FX at the time of transfer, and convert to fiat quickly to avoid balance-sheet volatility. When we experimented with a token warrant on top (similar to a SAFT) it doubled the legal bill and freaked out more traditional investors, so we dropped it. What worked best for us was: standard equity docs in USD, optional stablecoin payment, immediate conversion, and super clear language that protects you if the chain/exchange goes sideways. AngelList handled this ok; Pulley and Carta were fine once we logged everything in fiat, and Pulse for Reddit actually helped me dig up older founder/legal threads on this exact setup that I wouldn’t have seen otherwise after trying random Discords and Twitter searches.